Terms of Service

1. Acceptance of Terms

By creating an account or accessing the Debtnote platform (“Service”), you agree to be bound by these Terms of Service (“Terms”). If you are accepting on behalf of a company or other legal entity, you represent that you have authority to bind that entity. If you do not agree to these Terms, do not use the Service.

2. Account Registration

Access to the Service is invite-only or by approved registration. You are responsible for:

• Providing accurate and complete information during registration and keeping it up to date.
• Maintaining the confidentiality of your account credentials and promptly notifying us of any unauthorized access.
• All activity that occurs under your account, including actions taken by team members you invite.
• Ensuring that all users you add to your workspace are authorized to use the Service on your behalf.

3. Acceptable Use

You may use the Service only for lawful collections and accounts-receivable operations. You agree not to:

• Use the Service to send communications that violate applicable laws including the FDCPA, TCPA, CAN-SPAM Act, or equivalent regulations in your jurisdiction.
• Upload, transmit, or process data that you do not have the legal right to use.
• Attempt to gain unauthorized access to any part of the Service or its underlying infrastructure.
• Interfere with or disrupt the integrity or performance of the Service or its data.
• Reverse engineer, decompile, or disassemble any part of the Service.
• Resell or sublicense the Service without prior written consent.
• Use the Service to transmit malware, phishing content, or any harmful code.

We reserve the right to suspend or terminate accounts that violate this section without prior notice.

4. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you agree to the collection and use of data as described therein.

You retain ownership of all data you input into the platform (“Your Data”). You grant Debtnote a limited license to store, process, and transmit Your Data solely as necessary to provide the Service. We will not sell Your Data or use it for advertising or AI training purposes.

You are responsible for ensuring that Your Data, and your use of the platform to process that data, complies with all applicable laws including those governing personal data and debt collection.

5. Fees and Billing

Fees for the Service are based on the plan you select. You authorize us to charge the payment method on file at the start of each billing cycle.

• Platform fees are charged monthly or annually depending on your selected plan.
• Usage-based charges (SMS, voice, email) are metered and billed in arrears.
• All fees are non-refundable except as required by law or as stated in a separate agreement.
• We will provide at least 30 days' notice of any price changes to your current plan.
• Failure to pay may result in suspension or termination of your account.

6. Intellectual Property

The Service, including its software, design, trademarks, and documentation, is owned by Debtnote and protected by intellectual property laws. Nothing in these Terms transfers any ownership rights to you.

You retain all rights to Your Data. Any feedback, suggestions, or feature requests you provide may be used by us to improve the Service without obligation to you.

7. Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or fully secure.

Debtnote is a software platform, not a licensed collections agency. We are not responsible for the outcome of your collections activities or for your compliance with applicable collections laws.

8. Limitation of Liability

To the maximum extent permitted by law, Debtnote's total liability for any claims arising from or related to these Terms or the Service shall not exceed the amount you paid to us in the 12 months preceding the claim.

In no event will Debtnote be liable for indirect, incidental, special, consequential, or punitive damages, including loss of revenue, data, or business opportunity, even if we were advised of the possibility of such damages.

9. Termination

Either party may terminate these Terms at any time. You may cancel your account through the billing settings in your workspace. We may suspend or terminate your access immediately if you breach these Terms or if we reasonably believe continued access poses a security or legal risk.

Upon termination, your access to the Service will cease. We will retain Your Data for 90 days post-termination to allow for export, after which it will be deleted in accordance with our Privacy Policy.

10. Governing Law

These Terms are governed by the laws of the applicable jurisdiction in which Debtnote operates, without regard to conflict of law provisions. Any disputes will be resolved exclusively in the courts of that jurisdiction. If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.

11. Contact

If you have questions about these Terms or need to report a violation, please contact us through our contact page. We aim to respond to all legal inquiries within one business day.